Childersburg Auto Insurance Rates, Quotes, Agents & Reviews in AL

Childersburg, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Childersburg, AL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Your Primer to Understanding Car Insurance Rates in Childersburg, AL

Childersburg, Alabama, with its rich history and picturesque landscapes, is a place where car insurance remains an indispensable part of every driver's journey. However, like the intricate tapestry of this city, car insurance rates can seem daunting and complex. This guide aims to simplify that, helping residents get a clear picture of car insurance in Childersburg.

Top Competitors and Their Prices

Based on prevailing trends, Childersburg has several top insurance contenders:

  • Geico: A front-runner in many areas, Geico offers rates in Childersburg ranging between $870 to $1,240 annually for basic coverage.
  • State Farm: With a strong local presence, rates from State Farm generally hover from $910 to $1,300 annually.
  • Progressive: Progressive's rates for Childersburg residents are on average between $890 to $1,270 per year.
  • Allstate: Typically, Allstate provides annual rates from $925 to $1,315 for the residents.

Quotes, Rates & Agents

  • Quotes: Insurance quotes are essentially initial price estimates from companies based on your provided information. For the most comprehensive understanding, always collect multiple quotes before deciding
  • Rates: Rates indicate the definitive cost of your insurance—either on a monthly or yearly basis. Childersburg's insurance rates are the outcome of an interplay of diverse factors.
  • Agents: Local insurance agents, familiar with Childersburg's unique attributes, can guide you through the complexities of car insurance. Their expertise can ensure your policy aligns with both your budget and needs.

Factors Influencing the Insurance Rates in Childersburg

Several factors collectively mold the car insurance rates in Childersburg:

  • Local Traffic and Accident Rates: Regions with a dense traffic history or high accident rates typically witness steeper insurance premiums.
  • Vehicle Theft Rates: If vehicle theft is notably prevalent in the area, this can push up insurance premiums.
  • Demographics: Age, gender, and marital status are key demographic determinants. For instance, younger drivers, seen as higher risk, usually face elevated rates.
  • Local Legislation: Alabama's adherence to a Tort system—which mandates the determination of fault in an accident and the subsequent financial responsibility—can sway the insurance rates in Childersburg.
  • Vehicle Type: The kind of vehicle you drive, particularly if it's a luxury model or one that's expensive to repair, can bump up insurance costs.
  • Driving Record: Drivers with pristine records often enjoy more favorable rates, while those with past infractions might see their premiums climb.
  • Coverage Choices: Comprehensive plans or higher liability limits, while offering better protection, also come with a heftier price tag.

Childersburg, AL, with its charm and allure, is not immune to the complexities of car insurance rates. By embracing a comprehensive approach—armed with knowledge, multiple quotes, and the guidance of local agents—residents can unearth policies that are both cost-effective and comprehensive. While price is an undeniable factor, the true value of insurance lies in its promise of protection.

Factors that can influence the cost of car insurance in Childersburg, AL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Childersburg, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Childersburg, AL with that of other cities in and around Childersburg.

Childersburg Harpersville Sylacauga Oak Grove Fayetteville Renfroe-Laniers
Average Insurance Rates $1,411 $1,457 $1,419 $1,402 $1,408 $1,433

Childersburg, AL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Childersburg, AL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Childersburg $1,621 $1,369
Bon Air $1,335 $1,128
Oak Grove $1,544 $1,304
Harpersville $1,626 $1,374
Sylacauga $2,744 $2,318
Mignon $1,853 $1,565
Fayetteville $1,229 $1,038
Renfroe-Laniers $1,476 $1,247

Childersburg, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Childersburg, AL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,578
20 Years $1,813
30 Years $1,396
40 Years $1,344
50 Years $1,244
60 Years $1,262
70 Years $1,468

Childersburg, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Childersburg, AL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,399 $423
3 Vehicles $3,598 $635
4 Vehicles $4,797 $847

Savings on 2 Vehicles bundle:$423

Savings on 3 Vehicles bundle:$635

Savings on 4 Vehicles bundle:$847

Childersburg, AL Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Childersburg, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Childersburg $1,411 $2,502
Bon Air $1,390 $2,464
Oak Grove $1,402 $2,486
Harpersville $1,457 $2,583
Sylacauga $1,419 $2,516
Mignon $1,356 $2,404
Fayetteville $1,408 $2,496
Renfroe-Laniers $1,433 $2,541

Childersburg, AL Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,211
Excellent (740-799) $1,382
Good (670-739) $1,470
Average (580-669) $1,918
Poor (300-579) $2,302

Childersburg, AL Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Tyler Rutledge State Farm 16054 Highway 280 Ste 1600, Chelsea, 35043-8413 205-678-3334
James Anthony Allstate 48 Chesser Crane Rd Ste F, Chelsea, 35043 (205) 678-2660
Chester Lewis State Farm 16641 Highway 280 Ste 300, Chelsea, 35043-8354 205-678-0200
Burchell Insurance Agency Inc Nationwide 16233 HWY 280 STE E, Chelsea, 35043 (205) 678-0800
Wright-Sprayberry Ins Llc Travelers P O Box 105, Sylacauga, 35150 None
Randy L Smith Allstate 524 N Broadway Ave, Sylacauga, 35150 (256) 245-4336
Dianne Peters Allstate 6511 Highway 280, Harpersville, 35078 (205) 672-8570
Melissa Reid Allstate 200 Office Park Dr Ste 222, Mountain Brk, 35223 (205) 870-8395
Jennifer C Euler Liberty Mutual 100 Corporate Parkway Suite 225, Birmingham, 35242 1-205-995-9883

Childersburg, AL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$62 $1,473
Driver's Failure In Showing Documents +$137 $1,548
Driving With An Expired Registration +$145 $1,556
Driving At A Considerably Slow Pace +$306 $1,717
Using A Cellphone While Driving +$323 $1,734
Running A Red Light +$329 $1,740
Speeding +$346 $1,757
Driving A Vehicle Without The Required Permission +$439 $1,850
Driving With An Expired/Suspended License +$951 $2,362

Childersburg, AL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,355
Active Disabling Device $1,355
Tracking Device $1,326
Passive Disabling Device $1,312